System and method for identification, assessment, and management of business valuation and business risk

ABSTRACT

Systems and methods to identify, assess, and manage business risk and increase business valuation and marketability are provided. In one aspect, business risk is determined in response to user responses to a set of business queries. In one embodiment, a method to mitigate business risk includes receiving company data and a set of user-provided answers to a set of business queries, each of the set of user-provided answers having a weighted value and a prioritized ranking value; categorizing the set of user-provided answers into a set of response categories; generating a score for each response category; dividing the set of business queries into two business categories; calculating a set of score weight values for each user-provided answer; and calculating a total score weight for each business category; and generating a risk prioritization list along with tactics to address such risks.

CROSS-REFERENCE TO RELATED APPLICATION

This application is a continuation of U.S. patent application Ser. No.16/814,838 filed Mar. 10, 2020 and titled “System and Method forIdentification, Assessment, and Management of Business Valuation andBusiness Risk,” which in turn claims the benefit of U.S. ProvisionalPatent Application No. 62/819,465, filed Mar. 15, 2019 and titled“System and Method for Identification, Assessment, and Management ofBusiness Valuation and Business Risk,” the disclosures of which arehereby incorporated herein by reference in its entireties.

FIELD

The disclosure relates generally to systems and methods involvingbusiness risk assessment and corresponding impact on business valuation,and specifically to systems and methods to identify, assess, and managebusiness risk to increase business valuation.

BACKGROUND

The level of perceived risk in a business has a significant impact onthe overall valuation of that business. Business risk is typicallyassessed to, among other things, determine the appropriate valuation ofa business. Business valuation is most commonly associated withpreparing for the sale of a business or a capital raise.

Conventional approaches to determining business risk and businessvaluation are labor intensive, provide inconsistent results, and are ofvaried fidelity. The disclosure provides systems and methods to analyzeand determine business risk and its impact on business valuation using asemi-automated process, as enabled by user responses to a set ofbusiness queries and/or business data input.

Among other things, the systems and methods of the disclosure provide auser, such as a business owner, with: the specific factors that arehelping or hurting value in the user's company, the relative importanceof these different factors, why these factors are important, potentialsolutions to address these factors, an indicative valuation range forthe company as compared to industry peers, and an assessment of whetherthere are specific risks that would make the company less marketable.

The disclosed system gathers information from a business owner or otherempowered user via a detailed survey divided into different modules(e.g. Financial, Organizational, Customer, Employee, Strategic, Marketand Growth). The system then scores the answers and provides an overallassessment of a company's readiness to go to market to raise capital orto sell as well as an explanation of which factors are adversely orpositively impacting business valuation.

Specific risk factors are prioritized that are negatively impactingvalue based on their overall impact on value, the expected cost toaddress that specific risk factor, the likelihood of success in beingable to address that specific risk factor, and the potential damage tothe business if the effort to address the risk factor fails. From thisprioritization of risk factors, the system provides an explanation ofeach of the risk factors and why they are important to investors. Also,the system develops a custom-built list of potential actions to resolveeach specific risk to help mitigate those risks and to increase value.By following this curriculum and executing these tasks, it is expectedthat the user will drive a significant increase in value for theirbusiness and make it more marketable.

After completing the initial system assessment, a user may input up tothree years of basic financial information to get an indicative range ofvalue their company might be worth in a competitive market that would bebased on comparable transactions in their industry and incorporate theresults from using the system's survey information. In addition,provided the user inputs annual financial information, the system willutilize available benchmarking data to generate an annual benchmarkingreport which compares the user's company to companies in their industryas well as to middle market companies as a whole, highlighting specificareas that the user should address to drive more value for theircompany.

Also, if a user opts in, a profile of the user's company may be providedto investors who focus on investing in the user company's industry.These investors would pay to have access to participating user companiesand would be able to view information specifically authorized by theuser in order to ascertain their potential interest in investing in theuser's company.

The embodiments of the disclosure have application beyond systems andmethods to identify, assess, and manage business risk to, for example,increase business or company valuation. For example, without limitation,the systems and methods of the disclosure may be applied for personalfinancial planning; in one embodiment, the system may assist a user withdetermining how ready the owner is to sell a company, the maturity orappropriateness of estate planning, financial planning, tax planning,and/or liability planning.

SUMMARY

Generally, systems and methods involving business risk assessment andcorresponding impact on business valuation are disclosed. In oneembodiment, the systems and methods are applied to identify, assess, andmanage business risk to increase business valuation. For example,various methods and systems are disclosed which determine or calculate abusiness risk metric or set of metrics, the business risk metric(s)useful to manage business risk and/or to assess or measure businessvaluation.

In one embodiment, a method to generate a business metric is disclosed,the method comprising: receiving a set of company data; receiving a setof user-provided answers to a set of business queries, each of the setof user-provided answers having a weighted value and a prioritizedranking value; categorizing the set of user-provided answers into a setof response categories; generating a score for each response category;dividing the set of business queries into two business categories;calculating a set of score weight values for each user-provided answer;calculating a total score weight for each business category; andgenerating a business metric, wherein the business metric is a riskprioritization list.

In one aspect, the method further comprises generating a riskexplanation associated with at least one query of the set of businessqueries. In another aspect, the method further comprises generating alist of potential fixes to a risk factor associated with at least onequery of the set of business queries. In another aspect, the methodfurther comprises providing a software tool associated with the riskfactor. In another aspect, the set of company data comprises revenuedata, gross margin data, and EBITDA data. In another aspect, the set ofbusiness queries comprises business queries associated with geographicmarkets, cyclicality, manufacturing, owner dependence,products-services, depth-quality, unionization, market position andother related queries. In another aspect, the two business categoriesare value-price and marketability. In another aspect, the set of set ofresponse categories are five response categories. In another aspect, themethod further comprises presenting a risk quadrant to a user, the riskquadrant associated with the set of user-provided answers to a set ofbusiness queries. In another aspect, the method further comprisesgenerating a price predictor graph associated with the set ofuser-provided answers to a set of business queries. In another aspect,the method further comprises categorizing the set of business queriesinto a set of query modules, wherein the set of query modules are sevenquery modules comprising a financial module, an organizational module, acustomer module, an employee module, a strategic module, a marketmodule, and a growth module.

In another embodiment, a system to generate a business metric isdisclosed, the system comprising: a user interface module configured toreceive a set of company data and to receive a set of user-providedanswers to a set of business queries, each of the set of user-providedanswers having a weighted value and a prioritized ranking value; and alogic engine operating to: categorize the set of business queries into aset of response categories; generate a score for each response category;divide the set of business queries into two business categories;calculate a set of score weight values for each user-provided answer;calculate a total score weight for each business category; and generatea business metric, wherein the business metric is a risk prioritizationlist.

In one aspect, the logic engine further operates to generate a list ofpotential fixes to a risk factor associated with at least one query ofthe set of business queries. In one aspect, the set of company datacomprises revenue data, gross margin data, and EBITDA data. In oneaspect, the set of business queries comprises business queriesassociated with geographic markets, cyclicality, manufacturing, ownerdependence, products-services, depth-quality, unionization, marketposition, and other related queries. In one aspect, the two businesscategories are value-price and marketability. In one aspect, the set ofset of response categories are five response categories. In one aspect,the logic engine is further configured to present a risk quadrant to auser, the risk quadrant associated with the set of user-provided answersto a set of business queries. In one aspect, the system is furtherconfigured to categorize the set of business queries into a set of sevenquery modules comprising a financial module, an organizational module, acustomer module, an employee module, a strategic module, a marketmodule, and a growth module.

In yet another embodiment, a method of determining a business riskmetric is disclosed, the method comprising: receiving a set of companydata comprising revenue data, gross margin data, and EBITDA data;receiving a set of user-provided answers to a set of business queries,each of the user-provided answers having a weighted value and aprioritized ranking value, and each of the user-provided answerscorresponding to a set of answer tranches, each answer tranche having anumerical value; categorizing the set of user-provided answers into aset of response categories; generating a score for each responsecategory based at least in part on the numerical values; dividing theset of business queries into two business categories, the two businesscategories being value-price and marketability; calculating a set ofscore weight values for each user-provided answer, the set of scoreweight values based at least in part on the numerical values;calculating a total score weight for each business category; andgenerating the business risk metric, wherein the business risk metric isa risk prioritization list; wherein: the set of answer tranches is atleast five answer tranches.

The phrase “business risk” or the word “risk” means the possibility thata business will not perform as planned or expected, for example thepossibility that a business valuation may be lower than estimated.

The phrase “business valuation” or the word “valuation” means adetermination of the monetary worth of a business, either as currentworth or projected worth.

The word “app” or “application” means a software program that runs as oris hosted by a computer, typically on a portable computer, and includesa software program that accesses web-based tools, APIs and/or data.

The phrase “cloud computing” or the word “cloud” refers to computingservices performed by shared pools of computer resources, often over theInternet.

The phrase “user interface” or “UI”, and the phrase “graphical userinterface” or “GUI”, means a computer-based display that allowsinteraction with a user with aid of images or graphics. The phrase “datasources” means a collection of accessible data that is accessed at aknown location, to include physical locations such as a physicaldatabase and a virtual location, such as on a computing or storagecloud. Also, the term “database” is not limited to a physical database,and may, for example, define a broader data source

By way of providing additional background, context, and to furthersatisfy the written description requirements of 35 U.S.C. § 112, thefollowing references are incorporated by reference in their entireties:U.S. Pat. No. 6,859,785 to Case; U.S. Pat. No. 8,135,638 to Gopfert;U.S. Pat. No. 8,311,873 to Dahl; U.S. Pat. No. 8,606,616 to Crapsey III;and U.S. Pat. No. 8,265,981 to Ficery; U.S. Pat. Appl. Nos. 2017/0132546to Ray; 2014/0207527 to Garvey; and 2008/0046303 to Gordon; and World IPOrganization Publ. No. WIPO 2015/094545 to Mun. The phrases “at leastone”, “one or more”, and “and/or” are open-ended expressions that areboth conjunctive and disjunctive in operation. For example, each of theexpressions “at least one of A, B and C”, “at least one of A, B, or C”,“one or more of A, B, and C”, “one or more of A, B, or C” and “A, B,and/or C” means A alone, B alone, C alone, A and B together, A and Ctogether, B and C together, or A, B and C together.

The term “a” or “an” entity refers to one or more of that entity. Assuch, the terms “a” (or “an”), “one or more” and “at least one” can beused interchangeably herein. It is also to be noted that the terms“comprising”, “including”, and “having” can be used interchangeably.

The term “automatic” and variations thereof, as used herein, refers toany process or operation done without material human input when theprocess or operation is performed. However, a process or operation canbe automatic, even though performance of the process or operation usesmaterial or immaterial human input, if the input is received beforeperformance of the process or operation. Human input is deemed to bematerial if such input influences how the process or operation will beperformed. Human input that consents to the performance of the processor operation is not deemed to be “material”.

The terms “determine”, “calculate” and “compute,” and variationsthereof, as used herein, are used interchangeably and include any typeof methodology, process, mathematical operation or technique.

The term “computer-readable medium” as used herein refers to any storageand/or transmission medium that participate in providing instructions toa processor for execution. Such a computer-readable medium is commonlytangible, non-transitory, and non-transient and can take many forms,including but not limited to, non-volatile media, volatile media, andtransmission media and includes without limitation random access memory(“RAM”), read only memory (“ROM”), and the like. Non-volatile mediaincludes, for example, NVRAM, or magnetic or optical disks. Volatilemedia includes dynamic memory, such as main memory. Common forms ofcomputer-readable media include, for example, a floppy disk (includingwithout limitation a Bernoulli cartridge, ZIP drive, and JAZ drive), aflexible disk, hard disk, magnetic tape or cassettes, or any othermagnetic medium, magneto-optical medium, a digital video disk (such asCD-ROM), any other optical medium, punch cards, paper tape, any otherphysical medium with patterns of holes, a RAM, a PROM, and EPROM, aFLASH-EPROM, a solid state medium like a memory card, any other memorychip or cartridge, a carrier wave as described hereinafter, or any othermedium from which a computer can read. A digital file attachment toe-mail or other self-contained information archive or set of archives isconsidered a distribution medium equivalent to a tangible storagemedium. When the computer-readable media is configured as a database, itis to be understood that the database may be any type of database, suchas relational, hierarchical, object-oriented, and/or the like.Accordingly, the disclosure is considered to include a tangible storagemedium or distribution medium and prior art-recognized equivalents andsuccessor media, in which the software implementations of the presentdisclosure are stored. Computer-readable storage medium commonlyexcludes transient storage media, particularly electrical, magnetic,electromagnetic, optical, magneto-optical signals.

The term “means” as used herein shall be given its broadest possibleinterpretation in accordance with 35 U.S.C., Section 112, Paragraph 6.Accordingly, a claim incorporating the term “means” shall cover allstructures, materials, or acts set forth herein, and all of theequivalents thereof. Further, the structures, materials or acts and theequivalents thereof shall include all those described in the summary,brief description of the drawings, detailed description, abstract, andclaims themselves.

Various embodiments or portions of methods of manufacture may also oralternatively be implemented partially in software and/or firmware, e.g.the calculation of metrics and/or scoring of user inputs or responses tosystem queries or questions. This software and/or firmware may take theform of instructions contained in or on a non-transitorycomputer-readable storage medium. Those instructions may then be readand executed by one or more processors to enable performance of theoperations described herein. The instructions may be in any suitableform, such as but not limited to source code, compiled code, interpretedcode, executable code, static code, dynamic code, and the like. Such acomputer-readable medium may include any tangible non-transitory mediumfor storing information in a form readable by one or more computers,such as but not limited to read only memory (ROM); random access memory(RAM); magnetic disk storage media; optical storage media; a flashmemory, etc.

The preceding is a simplified summary of the disclosure to provide anunderstanding of some aspects of the disclosure. This summary is neitheran extensive nor exhaustive overview of the disclosure and its variousaspects, embodiments, and/or configurations. It is intended neither toidentify key or critical elements of the disclosure nor to delineate thescope of the disclosure but to present selected concepts of thedisclosure in a simplified form as an introduction to the more detaileddescription presented below. As will be appreciated, other aspects,embodiments, and/or configurations of the disclosure are possibleutilizing, alone or in combination, one or more of the features setforth above or described in detail below. Also, while the disclosure ispresented in terms of exemplary embodiments, it should be appreciatedthat individual aspects of the disclosure can be separately claimed.

BRIEF DESCRIPTION OF THE DRAWINGS

The disclosure will be readily understood by the following detaileddescription in conjunction with the accompanying drawings, wherein likereference numerals designate like elements. The elements of the drawingsare not necessarily to scale relative to each other. Identical referencenumerals have been used, where possible, to designate identical featuresthat are common to the figures.

FIG. 1 is a schematic diagram of one embodiment of a business risk andbusiness valuation system of the disclosure;

FIG. 2 is a detailed schematic diagram of the user input element of thebusiness risk and business valuation system of FIG. 1 ;

FIG. 3 is a flow diagram of one method of operation of the logic engineelement of FIG. 1 ;

FIG. 4 is a sample set of calculations of the logic engine element ofFIG. 1 ;

FIG. 5 is a flow diagram of one method of use of the business risk andbusiness valuation system of FIG. 1 from a user perspective;

FIG. 6A depicts a sample display of risk prioritization as provided to auser on the user interface of FIG. 1 ;

FIG. 6B depicts a display of quadrant scoring as provided to a user onthe user interface of FIG. 1 ;

FIG. 7 provides a flow diagram of another method of use of the businessrisk and business valuation system of FIG. 1 ;

FIG. 8A is a data file associated with the user input element of thebusiness risk and business valuation system of FIG. 1 ; and

FIG. 8B is a data file associated with the risk prioritization aspect ofthe business risk and business valuation system of FIG. 1 .

DETAILED DESCRIPTION

Reference will now be made in detail to representative embodiments. Thefollowing descriptions are not intended to limit the embodiments to onepreferred embodiment. To the contrary, it is intended to coveralternatives, modifications, and equivalents as can be included withinthe spirit and scope of the described embodiments as defined, forexample, by the appended claims.

The disclosed devices, systems, and methods of use will be describedwith reference to FIGS. 1-8 . Generally, systems and methods toidentify, assess, and manage business risk and business valuation aredisclosed.

With attention to FIG. 1 , a schematic diagram of one embodiment of abusiness risk and business valuation system 100 is depicted. The phrase“business risk and business valuation system” or “business riskassessment system” or simply the “system” refers to any of theembodiments of the disclosure which involve any collection of thefeatures described in the disclosure and is not limiting. Similarly, thephrase “business risk and business valuation method” or simply the“method” refers to a method of use of the “business risk and businessvaluation system” and/or to any of the embodiments of the disclosurewhich involve any collection of the features described in the disclosureand is not limiting. For example, the business risk and businessvaluation system may provide measures or assessments or insights intothe level of risk within a business and the impact of this level of riskon the valuation of a business.

Generally, a user 200 interacts with the system 100 by way of a userinterface 310, the system 100 comprising a logic engine 300. The userinterface 310 module is configured to receive a set of company data andto receive a set of user-provided answers to a set of business queries.

The logic engine 300 interacts or is in communication with a datastorage 320 element and/or a reports 330 module. In some embodiments,the data storage 320 and/or reports 330 are absent or form an integratedportion of the logic engine 300. The data storage 320 element maycontain reference data, such as external benchmarking data, valuationdata, etc. (see, for example, description below with respect to FIG. 3and elements 382 and 384 as to use of such data.) Generally, the system100 provides a user 200 an objective assessment for what is drivingvalue (up or down) in the subject business and a prescription for how toreduce risk in that business and consequently increase business value.The objective assessment provided by the system 100 to the user 200 maycomprise one or more determined or calculated business metrics, such asa readiness business metric, a marketability business metric, a priceprediction business metric, and a value/price business metric. The term“metric” means a measured value, e.g. a value/price business metric maybe a financial value of a business in US dollars.

The user 200 may be a business owner, business executive and/or abusiness investor, for example. The user 200 provides user input 210 tothe logic engine 300 by way of the user interface 310. The user 200receives logic engine output 220 from the system 100 by way of the userinterface 310. The user interface 310 may be a graphical user interface.

The user interface 310 may be physically distinct from the logic engine300, and communicate by any of several means, such as by wirelesscommunication. The user interface 310 may be provided by way of aportable computer device, such as a tablet, laptop, smart phone, and thelike. The user interface 310 may be a software application, e.g. an“app” that is accessed by way of a portable device.

The data storage 320 element may be a physical database that isphysically connected to the logic engine 300, or may be a remotelylocated database, such as located on the cloud or any means known tothose skilled in the art. Similarly, all or some of the reports 330 maybe located with or adjacent to the logic engine 300, and/or located withor adjacent the data storage 320 element, and/or may be locatedelsewhere, such as on the cloud, as known to those skilled in the art.In one embodiment, the user interface 310 may access one or both of thedata storage 320 element and the reports 330 element. The logic engine300 performs any of several functions, such as scoring, prioritization,and analysis of user input 210. The logic engine 300 may accessadditional, external data stored on the data storage 320 element toexecute any of several functions. For example, the logic engine 300 mayaccess financial data of peer companies of the subject business in orderto provide reference valuation data to the user 200. Similarly, thelogic engine 300 may access reports 330 module to access and providereference report data (e.g. SEC filings, quarterly reports) of peercompanies to the user 200.

FIG. 2 provides further details of the user input of the business riskassessment system 100 of FIG. 1 . Generally, the user input 210comprises user-provided answers to a set of business queries (identifiedas “Question Answers” in FIG. 2 ) and a set of company data (identifiedas “Financial Data” in FIG. 2 ). The user 200 provides or inputs theuser input 210, as discussed above, through the user interface 310. Theterms “questions” and “queries” are interchangeable and mean to elicitinformation or data.

The set of user-provided answers to the set business queries may includebasic company data, such as industry classification, revenue range data,and the like. The set of user-provided answers to the set of businessqueries may require input of numerical values, finite options from pulldown menus, and/or selection of values from a sliding scale.

The set of user-provided answers to the set business queries may alsoinclude financial data, such as revenues and gross margins over time(e.g. quarterly), EBITDA (i.e. earnings before interest, taxes,depreciation, and amortization), P&L (i.e. profit and loss) data,balance sheet data, cash flow, and the like.

In one embodiment, at least some of the questions are structured withif/then question dependencies. In one embodiment, at least some of thequestions require the user responding to a question to select between afinite set of responses that are scored as −2, −1, 0, 1, and 2. In oneembodiment, at least some of the questions result in bucketing of userresponses into a finite set of responses that are scored as −2, −1, 0,1, and 2. In one embodiment, the finite set of responses, and/or thefinite set of bucketing of user responses, result in numerical values orpoints assigned to the respective responses, e.g. for a set of responsesof −2, −1, 0, 1, and 2, a respective numerical values of −2 points, −1points, 0 points, 1 point, and 2 points would is assigned.

In one embodiment, at least some of the user-provided answers to the setof business queries are provided in an automated manner, such as via thelogic engine 300 communicating with one or both of the data storage 320and the reports 330 modules. In one embodiment, at least some of theuser-provided answers to the set of business queries are providedthrough interaction with a user-provided device, such as a networkedexternal storage device. More description as to the character of theuser-provided answers to the set of business queries is provided belowwith respect to FIG. 8A.

FIG. 3 provides further details of the logic engine 300 of the businessrisk and business valuation system 100 of FIG. 1 . More specifically,FIG. 3 provides a flow diagram of the sequence of the functions of thelogic engine 300. Note that in some embodiments, some functions (e.g.any of the identified elements numbered 350-386) may be absent, occur ina different order, or include other functions or steps not shown.Similarly, note that in some embodiments, some aspects or some elementsof the logic engine 300 may be absent or be combined with aspects orelements not shown. For example, although shown in FIG. 1 as datastorage element 320, an external database may not be present in allembodiments of the business risk and business valuation system. Asdiscussed above, an external database may provide access to data usedfor financial benchmarking, valuation data of peer or other companies,etc.

Generally, the logic engine 300 is configured to: receive a set ofcompany or business data; receive responses to a set of queries orquestions, i.e. to receive a set of user-provided answers to a set ofbusiness queries; categorize the set of user-provided answers to a setof business queries into a set of response categories (the businessqueries as described above); associate a weighted value and/or aprioritized ranking value to at least some of the user-provided answers;generate a score for each response category; divide the set of businessqueries into business categories (for example, into two or more businesscategories); calculate a set of score weight values for eachuser-provided answer; calculate a total score weight for each businesscategory; and generate a risk prioritization list. In one embodiment,the weighting of user responses to the business queries or questions isbased on, or at least is influenced by, the impact of the response onthe financial value of the business and/or the risk to the business.Other features and capabilities may be provided, as described below.

One output of the logic engine 300 is one or more business metrics, asbriefly described above. Generally, one or both of a market readinessscore and a set of price predictor scores are generated. The marketreadiness score or market readiness business metric reflects the abilityof a company to go to market, to include most basically to even survivea process of preparing to go to market. The price predictor set ofscores or set of price predictor business metrics may be based on orinfluenced by valuation metrics and/or user responses to quires relatedto valuation.

A logic engine sequence 301 depicted in FIG. 3B will now be described,with reference to the listing of the functions that the logic engine 300module performs as presented in FIG. 3A.

At element 350, a user 200 inputs user-provided answers to questions andprovides company data, as described above. At element 352, each answeris placed into a response category. The response categories serve toquantize the answers into buckets or tranches. In the embodimentdescribed, the response categories are five in number and defined, inorder from most negative (upon valuation and/or risk) to most positiveas: −2 points, −1 point, 0 points, +1 point, and +2 points. In someembodiments, other than five (5) tranches are provided, e.g. three (3)tranches, four (4) tranches, six (6) tranches, etc. In one embodiment,the response categories are digitized tranches based on an analog (userinput) measure, wherein a user manipulates a sliding bar along a setscale, which results in a digitized measure.

At element 354, each of the response categories is assigned a numericalvalue, and at element 356, each individual question is assigned anumerical weight aka a weighted value. The numerical weight assigned toeach question may be a function of risk factor. More description of suchcalculations is provided below with respect to FIG. 4 . More precisely,a question that relates to or is associated with a risk factor that isconsidered high risk will be assigned a higher numerical weight than aquestion that relates to or is associated with a risk that is consideredof relatively lower risk. More description as to the relationship ofquestions and risk is provided below with respect to FIG. 8A. Moredescription as to risk is provided below with respect to FIG. 8B.

At element 360, each individual identified risk is assigned aprioritized ranking value. The prioritized ranking value may beassociated with any of several parameters. In the embodiment of FIG. 3 ,the prioritized ranking value is determined based on four criteria:importance to deal value, cost to fix, ability to fix, and risk to fix.

At element 362, each question is divided into a set of businesscategories. In the embodiment of FIG. 3A-B, the set of businesscategories are two in number, and are: readiness (aka marketability) andprice predictor (aka value/price). At element 364, each question score(that is, each scored or valued answer to a particular question) ismultiplied by the question's assigned numerical weight (as assigned atelement 356) to result in a score weight value. All score weight valuesare then added together at element 366 to create a total score weightvalue.

A total score may be determined for each of the business categories;thus, in the embodiment described in FIG. 3 a total score is determinedfor each of readiness and price predictor. As described in element 370of FIG. 3 , each total score is determined by dividing the total scoreweight value (as determined at element 366) by the weighted sum of allgreen scores. Each total score (for each business category) rangesbetween 0 and 100. In some embodiments, any question or query thatresulted in a response of not applicable aka n/a would be excluded fromthe calculation or determination of readiness and/or price predictor.Similarly, in some embodiments, any question or query that resulted inno user response would be excluded from the calculation or determinationof readiness and/or price predictor.

At element 372, the user 200 is provided a risk explanation for anyuser-provided answer to a business query that resulted in a responsecategory of −1 point or −2 points (or, more generally, any responsecategory that resulted in negative points). The risk explanation may beprovided to the user 200 by way of the user interface 310. In oneembodiment, the risk explanation is a document accessible by the user,such as a white paper that describes why a risk is important to themarket readiness business metric and/or to price predictor businessmetrics.

At element 374, a risk prioritization list is generated, the listpresenting the risks (aka risk factors) from most important to leastimportant. Such a list is depicted as FIG. 3B. In one embodiment, therisk prioritization aka the rank order of risk is determined or at leastinfluenced by one or more of: a predetermined assessment of importanceto value, ability to address the risk, cost to address the risk, and therisk of addressing the risk. In one embodiment, the user may overridethe risk prioritization list and re-order the risks based on theirindividual requirements and capabilities.

At element 376, a list of potential risk fixes is provided to the userfor each risk. The potential fixes are specific to a particular riskfactor. The list of potential fixes may be provided to the user 200 byway of the user interface 310. At element 380, for some risk factors, asoftware toot, e.g. an app, may be provided to assist the user inaddressing or defining a particular risk.

Various displays, such as graphs, may be provided to the user 200 tounderstand, interpret, or otherwise interact with the results providedby the logic engine. Such displays may be presented to the user 200 byway of the user interface 310, to include by way of an app. For example,at element 382, a price predictor graph may be generated. In oneembodiment, the price predictor graph presents external valuation data(e.g. based on peer company data) and presents the subject company's(i.e. the user's 200 company of interest) expected price (aka valuation)relative to the external validation data. The price predictor graph maybe provided as a bell curve with positive and negative attributes, thecurve using external valuation data to present the subject company'sexpected price (aka valuation) relative to the external validation data.A range of valuation for the subject company may thus be presented, therange of value illustrating both positive and negative attributes.

As another example, the price predictor bell curve may be generated ordetermined by extracting a value range from external data sources toestablish the core (aka fat parts) of the bell curve, perhaps usingmultiples of EBITDA data of relevant peer companies.

Other displays or representations of the various business metricsgenerated by the logic engine of the system are possible, such as adisplay of composite or total weighted scores of grouped collections ofbusiness questions, and a quadrant scoring display, as depicted in FIG.6B.

At element 384, other comparisons of user-provided data (the user input210) may be presented against peer businesses. For example, benchmarkingratios of the subject company relative to peer companies may begenerated and presented to the user 200.

Lastly, at element 386, a user 200 may select data elements to send tothird parties. For example, a user 200 may request that allquestions/responses, and associated generated data, in the “growthpotential” collection (see FIG. 6A), be shared with a particularinstitutional investor. FIG. 4 is a sample set of calculations of thelogic engine element of FIG. 1 . Generally, a set of questions 402, eachwith a question range and user selection 404, receive a user response.Each question has a weight 406, which yields a weighted score 408. Thetotal of the weighted scores are considered against the total range ofthe weighted scores as summation calculation 420. An absolute valuecalculation 430 is performed with respect to the summation calculation420, so as to generate a summary metric 440.

The sample set of calculations of FIG. 4 present five (5) questions 402for brevity. The range of responses are five (5) tranches of answersthat would have scores of −2, −1, 0, 1, and 2. The user may select oneof the five values directly (i.e. may select one of 5 answers that wouldhave scores of −2, −1, 0, 1, 2) or may select from one of five possibleanswers that is matched to one of the five tranches. With respect toquestion 1, the user has selected the answer that has a score of “−1”,identified as the underlined number of element 410 in FIG. 4 . Theweight 406 of question 1 has been pre-determined to be 7. Thus, theweighted score range of question 1 is established by multiplying each ofthe tranches by 7, to yield −14, −7, 0, 7, and 14, as shown in the firstrow of the weighted score 408 column. (Similar calculations may beperformed for the remaining four question rows, e.g. question 2, with aweight 406 of 6, yields a weighted score range of −12, −6, 0, 6, and12). Returning to question 1 calculations, the user response 410 of “−1”maps to a weighted score of −7, as shown as the underlined number ofelement 412. Such a process of determining a weighted score and aweighted score range is performed for each of the five questions. Eachuser response is depicted as a bold underline in the column userselection 404, with respective weighed score depicted as a boldunderline in the weighted score 408 column.

The range of the total weighed scores of the set of five questions isthen determined, along with the total of the five weighted scores (showas summation calculation 420). More specifically, the lower range isdetermined by adding the lower values of each of the five weighted scoreranges, i.e. adding the value is −14, −12, −18, −4, and −6 to yield −54.Similarly, the upper range is calculated as 54. The total of the fiveweighted scores is calculated by adding the five weighted scores, i.e.by performing the calculation of −7+0+−18+2+6 to yield a total weightedscore 422 of −17.

A summary metric 440 is then determined by dividing the absolute valueof the absolute value calculation 430 with respect to the summationcalculation 420, so as to generate a summary metric 440. In the exampleof FIG. 4 , the absolute value of the lower bound of the weighted scorerange (i.e. −54) less the total weighted score 422 (i.e. −17) yields 37,and the range of the total weighed scores yields 108. (See absolutevalue calculation 430). The result of the absolute value calculation 430is the summary metric 440, i.e. 36%.

FIG. 5 provides a flow diagram of one method of use of the business riskand business valuation system 100 by a user 200. Note that in someembodiments, some functions (e.g. any of the identified elementsnumbered 550-586) may be absent, occur in a different order, or includeother functions or steps not shown.

A method of use 501 depicted in FIG. 5 will now be described, withreference to aspects and features of the system of FIG. 1 describedabove with respect to FIGS. 2-4 . The user 200 interacts with the logicengine 300 of the system 100 by way of the user interface 210. Statedanother way, the user 200 provides user inputs 210 by way of userinterface 210 and receives logic engine outputs 220 by way of userinterface 210. Many of the elements of FIG. 5 are similar to those ofFIG. 3 .

At element 550, the user 200 enters the basic data, as described in FIG.2 , and the system receives the basic data. At element 552, the user 200completes the first of a set of question modules, and the systemreceives the set of user-provided answers. As described above, in oneembodiment, the system 100 categories the set of business queries intoseven modules.

At element 554, a module score is calculated, and, if appropriate, a setof top risk factors (e.g. top two risk factors) are identified andpresented to the user. At element 556, the user 200 steps through theremaining modules. (After each module is completed, a set of top riskfactors may be presented to the user 200.) Similar to element 362 ofFIG. 3 , at element 560 a total score for each of market readiness andprice predictor are provided to the user. (Note that the total scoresare calculated through the process described above with respect to FIG.3 and are not described here for brevity. Similarly, other steps of thelogic engine 300 are not described for brevity.) Element 562 is similarto element 372 of FIG. 3 , except that risk explanations are alsoprovided for yellow answers in addition to deal killer (i.e. red)answers. Element 564 is similar to element 374 of FIG. 3 wherein a riskprioritization list is presented to the user 200. At element 566, a listof risk fixes is provided for each risk in the risk prioritization listgenerated at element 564.

The user 200 may interact with the business risk and business valuationsystem 100 at any of several steps of logic engine 300 operation. Forexample, the user may interrupt the notional sequence of the logicengine 300 (as described above with respect to FIG. 3 ), to reorderidentified business risks (as provided at element 566.) The user 200 mayso reorder based on any of several reasons, to include expert knowledge,tuning or adjustment of relative risks to reflect a targeted investor,and the like.

At element 572, a further tool may be provided to the user toinvestigate a particular risk factor. For example, the tool may provideexternally-sourced benchmark data from peer companies related toquestions that triggered the particular risk factor, to enable the user200 to obtain a deeper understanding of the origin or significance ofthe risk factor.

Element 574 is similar to element 382 of FIG. 3 , wherein a pricepredictor graph is generated. The price predictor graph may present arange of business value as a bell curve with one or both of positive andnegative attributes illustrated, as described above. At element 576, theuser 200 may provide additional detailed data, such as financial data,to enable peer company benchmarking, such as financial benchmarking. Atelement 580, the user 200 may interact with the logic engine 300 toanalyze key benchmarking ratios. Alternatively, or additionally, thelogic engine 300 may automatically analyze key benchmarking ratios.

At element 582, the user-provided financial data are compared withbenchmarking ratios, and qualitative grading (e.g. red, yellow, andgreen) is provided. At element 584, the logic engine 300 determines arange of predicted prices for the subject business, as influenced by thefinancial data provided by the user 200 at element 576. Lastly, atelement 586, similar to element 386 of FIG. 3B, the user 200 may selectdata elements to send to third parties.

FIGS. 6A-B depict various displays provided to a user 200 by way of theuser interface 310. Note that one or more analog displays for measuresof marketability and price predictor may be presented (not shown),similar to analog speedometer or bar chart displays. FIG. 6A has beendiscussed above relative to FIG. 3 , wherein a risk prioritization listis generated, the list presenting the risks (aka risk factors) from mostimportant to least important for each business category.

FIG. 6B presents four business query modules in quadrant analysis 620format. Specifically, sample score positions for a company in the growthmodule 622, team module 624, customer module 626, and strategy module628, are depicted. In one embodiment, a user may receive more detailedinformation as to a particular quadrant, e.g. an explanation as to theimportance of a particular quadrant, through interaction (e.g. point andclick) with the particular quadrant.

FIG. 7 depicts an extended flow diagram 700 of the business risk andbusiness valuation system 100 of FIG. 1 as employed by a user 200 overan extended period, such as over several years, and as part of aninteractive valuation action plan.

Elements 702 through 714 of the extended flow diagram 700 depict theoperation of the business risk and business valuation system wherein auser 200 interacts with the system to improve business valuation. Morespecifically, the user 200 works off an action plan with task lists(element 712) that address or mitigate prioritized risk factors (element706), applying one or more potential solutions (element 710). The system100 is rerun as the tasks are completed (and resulting new data input)so as to generate a revised valuation (see element 714).

Elements 720 through 726 of the extended flow diagram 700 depict a user200 interacting with the system 100 over a several year period (as shownhere in FIG. 7 , over a three-year period; other periods may beconsidered in other embodiments) so as to generate and monitorvaluation, benchmarking, and a solutions list (element 726) on an annualbasis. In some embodiments, the range of years to consider is userselectable, i.e. a user may select a ten-year period, a five-yearperiod, etc.

Elements 730-736 of the extended flow diagram 700 depict an extension ofthe system capability to provide selected system data to targeted thirdparties, as described above. As depicted in FIG. 7 , a user may opt toprovide selected data to targeted third parties, such as to identifiedindustry investors (see element 730). The targeted third parties mayelect to subscribe to the selected data (see element 732), may provide areferral fee for such access (see element 734), and/or may provideexpert content (see element 736).

FIG. 8A depicts a sample data file 801 associated with the user inputelement of the business risk and business valuation system 100 of FIG. 1. Specifically, a set of two questions (column 814), both assigned tothe market module (column 812), are presented. Each question isassociated with a risk factor/risk name (column 816) and assigned toeither value/price or marketability (column 815). Each question may alsobe assigned a submodule (column 813). A trigger value (column 817) foroutput by the logic engine 300 of a white paper is provided. Each useranswer is assigned an initial score (column 820). Each question has aweighting value (column 830) and an associated weighting decile value(column 832). Maximum ranges (columns 840) are also provided.

FIG. 8B depicts a sample data file 851 associated with the riskprioritization aspect of the business risk and business valuation system100 of FIG. 1 . Specifically, a set of risks are identified (column862), each risk with an identifier (column 863), an ability to fix value(column 864), a cost to fix (column 866), and a cost of error in fixing(column 868). Also, a total success score (column 870) is provided, acombined prioritization score (column 880), a priority quadrant 882, anda designation as value impact or deal impact (column 890). Column 870 isthe summation of columns 864, 866, and 868.

In one embodiment, the number of queries of a user is about 120 innumber. In one embodiment, the number of queries of a user is more than120 in number. In one embodiment, the number of queries of a user isless than 130 in number. In one preferred embodiment, the number ofqueries of a user is between 100 and 140. In a more preferredembodiment, the number of queries of a user is between 100 and 130.

In one embodiment, the number of user-provided answers of a user isabout 120 in number. In one embodiment, the number of user-providedanswers is more than 120 in number. In one embodiment, the number ofuser-provided answers is less than 130 in number. In one preferredembodiment, the number of user-provided answers is between 100 and 140.In a more preferred embodiment, the number of user-provided answers isbetween 100 and 130.

In other embodiments, the business risk and business valuation systemdescribed is applied to personal financial planning rather than theabove-described company/business planning. For example, the system mayassist a user with determining how ready the owner is to sell theircompany, the maturity or appropriateness of estate planning, financialplanning, tax planning, and liability planning.

The exemplary systems and methods of this disclosure have been describedin relation to predicting business valuation and business risk. However,to avoid unnecessarily obscuring the present disclosure, the precedingdescription omits a number of known structures and devices, and otherapplication and embodiments. This omission is not to be construed as alimitation of the scopes of the claims. Specific details are set forthto provide an understanding of the present disclosure. It should howeverbe appreciated that the present disclosure may be practiced in a varietyof ways beyond the specific detail set forth herein.

Furthermore, it should be appreciated that the various links connectingthe elements can be wired or wireless links, or any combination thereof,or any other known or later developed element(s) that is capable ofsupplying and/or communicating data to and from the connected elements.These wired or wireless links can also be secure links and may becapable of communicating encrypted information. Transmission media usedas links, for example, can be any suitable carrier for electricalsignals, including coaxial cables, copper wire and fiber optics, and maytake the form of acoustic or light waves, such as those generated duringradio-wave and infra-red data communications.

Also, while the methods have been discussed and illustrated in relationto a particular sequence of events, it should be appreciated thatchanges, additions, and omissions to this sequence can occur withoutmaterially affecting the operation of the disclosed embodiments,configuration, and aspects.

A number of variations and modifications of the disclosure can be used.It would be possible to provide for some features of the disclosurewithout providing others.

Although the present disclosure describes components and functionsimplemented in the aspects, embodiments, and/or configurations withreference to particular standards and protocols, the aspects,embodiments, and/or configurations are not limited to such standards andprotocols. Other similar standards and protocols not mentioned hereinare in existence and are considered to be included in the presentdisclosure. Moreover, the standards and protocols mentioned herein, andother similar standards and protocols not mentioned herein areperiodically superseded by faster or more effective equivalents havingessentially the same functions. Such replacement standards and protocolshaving the same functions are considered equivalents included in thepresent disclosure.

The present disclosure, in various aspects, embodiments, and/orconfigurations, includes components, methods, processes, systems and/orapparatus substantially as depicted and described herein, includingvarious aspects, embodiments, configurations embodiments,sub-combinations, and/or subsets thereof. Those of skill in the art willunderstand how to make and use the disclosed aspects, embodiments,and/or configurations after understanding the present disclosure. Thepresent disclosure, in various aspects, embodiments, and/orconfigurations, includes providing devices and processes in the absenceof items not depicted and/or described herein or in various aspects,embodiments, and/or configurations hereof, including in the absence ofsuch items as may have been used in previous devices or processes, e.g.,for improving performance, achieving ease and\or reducing cost ofimplementation.

The foregoing discussion has been presented for purposes of illustrationand description. The foregoing is not intended to limit the disclosureto the form or forms disclosed herein. In the foregoing DetailedDescription for example, various features of the disclosure are groupedtogether in one or more aspects, embodiments, and/or configurations forthe purpose of streamlining the disclosure. The features of the aspects,embodiments, and/or configurations of the disclosure may be combined inalternate aspects, embodiments, and/or configurations other than thosediscussed above. This method of disclosure is not to be interpreted asreflecting an intention that the claims require more features than areexpressly recited in each claim. Rather, as the following claimsreflect, inventive aspects lie in less than all features of a singleforegoing disclosed aspect, embodiment, and/or configuration. Thus, thefollowing claims are hereby incorporated into this Detailed Description,with each claim standing on its own as a separate preferred embodimentof the disclosure.

Moreover, though the description has included description of one or moreaspects, embodiments, and/or configurations and certain variations andmodifications, other variations, combinations, and modifications arewithin the scope of the disclosure, e.g., as may be within the skill andknowledge of those in the art, after understanding the presentdisclosure. It is intended to obtain rights which include alternativeaspects, embodiments, and/or configurations to the extent permitted,including alternate, interchangeable and/or equivalent structures,functions, ranges or steps to those claimed, whether or not suchalternate, interchangeable and/or equivalent structures, functions,ranges or steps are disclosed herein, and without intending to publiclydedicate any patentable subject matter.

What is claimed is:
 1. A method for automatically calculating aninteractive business valuation score relative to peer companies usingbusiness transaction risk data, the method comprising: receiving, by agraphical user interface (GUI) of a logic engine executing on aprocessor of a computer system, a plurality of user-provided answers toa set of business queries; quantizing, by the logic engine, each of theuser-provided answers within a set of tranches to generate a pluralityof quantized user-provided answers; accessing, by the logic engine, adata storage device having a non-transitory computer-readable storagemedium storing a plurality of business transaction risk data associatedwith the set of business queries, the plurality of business transactionrisk data comprising a set of risk factors; automatically calculating,by the logic engine, a plurality of quantized weighted answer valuesassociated with the plurality of quantized user-provided answers and theset of risk factors; searching, by the logic engine, the data storagedevice to map each of the quantized weighted answer values to one ormore business transaction risk data stored on the data storage device toidentify a plurality of identified business transaction risks; ranking,by the logic engine, the plurality of identified business transactionrisks to automatically generate a risk prioritization list, the rankingbased at least on a set of identified business transaction risk dataassociated with each identified business transaction risk; rendering, bythe GUI of the logic engine, the risk prioritization list; automaticallycalculating, by the logic engine, a business valuation score based atleast on: i) the risk prioritization list, and ii) the set of identifiedbusiness transaction risk data associated with each identified businesstransaction risk; rendering, by the GUI of the logic engine, thebusiness valuation score relative to peer companies on a GUI display;receiving, by the GUI of the logic engine, a re-ordering of theidentified business transaction risks of the risk prioritization list tocreate a revised risk prioritization list; automatically re-calculating,by the logic engine, the business valuation score using the revised riskprioritization list to generate a revised business valuation score; andrendering, by the GUI of the logic engine, the revised businessvaluation score relative to peer companies on a revised GUI display. 2.The method of claim 1, wherein: the GUI display is a price predictiongraph automatically calculated, by the logic engine, at least using theplurality of business transaction risk data stored in the data storagedevice and the plurality of quantized user-provided answers.
 3. Themethod of claim 1, wherein the business transaction risk data arequalitative business transaction risk data.
 4. The method of claim 1,wherein the set of risk factors are at least a set of four risk factorsand the set of tranches are at least a set of five tranches.
 5. Themethod of claim 4, wherein the set of four risk factors include at leasttwo of the following four risk factors associated with: importance todeal value, cost to fix, ability to fix, and risk to fix.
 6. The methodof claim 1, further comprising the step of, after calculating thebusiness valuation score, updating the plurality of business transactionrisk data stored in the data storage device based on the plurality ofquantized user-provided answers.
 7. The method of claim 1, wherein theset of business queries includes at least four business queriesassociated with: geographic markets, cyclicality, manufacturing, ownerdependence, products-services, depth-quality, owner dependence,unionization, and market position.
 8. The method of claim 1, furthercomprising the step of generating, by the logic engine, a listing ofpotential fixes for a particular identified business transaction risk,the particular identified business transaction risk selected by a userby way of the GUI, the listing of potential fixes based at least on thebusiness transaction risk data and the plurality of quantizeduser-provided answers.
 9. The method of claim 1, wherein the tranchesmap to numeric integer values; the data storage device is a remote datastorage device at least partly implemented on the cloud; and the GUI isassociated with a user app.
 10. A method of automatically calculating aninteractive business valuation score relative to peer companies usingbusiness transaction risk data, the method comprising: receiving, by agraphical user interface (GUI) of a logic engine executing on aprocessor of a computer system, a plurality of user-provided answers toa set of business queries; quantizing, by the logic engine, each of theuser-provided answers within a set of tranches to generate a pluralityof quantized user-provided answers; accessing, by the logic engine, adata storage device having a non-transitory computer-readable storagemedium storing a plurality of business transaction risk data associatedwith the set of business queries, the plurality of business transactionrisk data comprising a set of risk factors; automatically calculating,by the logic engine, a plurality of quantized weighted answer valuesassociated with the plurality of quantized user-provided answers and theset of risk factors; searching, by the logic engine, the data storagedevice to map each of the quantized weighted answer values to one ormore business transaction risk data stored on the data storage device toidentify a plurality of identified business transaction risks; ranking,by the logic engine, the plurality of identified business transactionrisks to automatically generate a risk prioritization list, the rankingbased at least on a set of identified business transaction risk dataassociated with each identified business transaction risk; rendering, bythe GUI of the logic engine, the risk prioritization list; automaticallycalculating, by the logic engine, a business valuation score based atleast on: i) the risk prioritization list, and ii) the set of identifiedbusiness transaction risk data associated with each identified businesstransaction risk; rendering, by the GUI of the logic engine, thebusiness valuation score relative to peer companies on a GUI display;and updating the plurality of business transaction risk data stored inthe data storage device based on the plurality of quantizeduser-provided answers.
 11. The method of claim 10, further comprisingthe steps of: receiving, by the GUI of the logic engine, a re-orderingof the identified business transaction risks of the risk prioritizationlist to create a revised risk prioritization list; automaticallyre-calculating, by the logic engine, the business valuation score usingthe revised risk prioritization list to generate a revised businessvaluation score; and rendering, by the GUI of the logic engine, therevised business valuation score relative to peer companies on a GUIdisplay.
 12. The method of claim 10, further comprising the step of:generating, by the logic engine, a listing of potential fixes for aparticular identified business transaction risk, the particularidentified business transaction risk selected by a user by way of theGUI, the listing of potential fixes based at least on the businesstransaction risk data and the plurality of quantized user-providedanswers.
 13. The method of claim 10, wherein the business transactionrisk data are qualitative business transaction risk data.
 14. A systemfor automatically calculating an interactive business valuation scorerelative to peer companies using business transaction risk data, thesystem comprising: a logic engine comprising a computer processor; agraphical user interface (GUI) associated with the logic engine andexecuting on the computer processor, the GUI configured to receive aplurality of user-provided answers to a set of business queries; a datastorage device having a non-transitory computer-readable storage medium,the data storage device storing a plurality of business transaction riskdata associated with the set of business queries, the plurality ofbusiness transaction risk data comprising a set of risk factors;wherein: the logic engine has machine-executable instructions operatingto: quantize each of the user-provided answers within a set of tranchesto generate a plurality of quantized user-provided answers;automatically calculate a plurality of quantized weighted answer valuesassociated with the plurality of quantized user-provided answers and theset of risk factors; search the data storage device to map each of thequantized weighted answer values to one or more business transactionrisk data stored on the data storage device to identify a plurality ofidentified business transaction risks; rank the plurality of identifiedbusiness transaction risks to automatically generate a riskprioritization list, the ranking based at least on a set of identifiedbusiness transaction risk data associated with each identified businesstransaction risk; render, by the GUI, the risk prioritization list;automatically calculate a business valuation score based at least on: i)the risk prioritization list, and ii) the set of identified businesstransaction risk data associated with each identified businesstransaction risk; update the plurality of business transaction risk datastored in the data storage device based on the plurality of quantizeduser-provided answers; and render, by the GUI of the logic engine, thebusiness valuation score relative to peer companies on a GUI display.15. The system of claim 14, wherein the logic engine further hasmachine-executable instructions operating to: receive, by the GUI of thelogic engine, a re-ordering of the identified business transaction risksof the risk prioritization list to create a revised risk prioritizationlist; automatically re-calculate the business valuation score using therevised risk prioritization list to generate a revised businessvaluation score; and render, by the GUI of the logic engine, the revisedbusiness valuation score relative to peer companies on a revised GUIdisplay.
 16. The system of claim 14, wherein: the data storage device isa remote data storage device at least partly implemented on the cloud;and the GUI is associated with a user app.
 17. The system of claim 14,wherein the GUI display is a price prediction graph automaticallycalculated, by the logic engine, at least using the plurality ofbusiness transaction risk data stored in the data storage device and theplurality of quantized user-provided answers.
 18. The system of claim14, wherein the set of business queries includes at least four businessqueries associated with: geographic markets, cyclicality, manufacturing,owner dependence, products-services, depth-quality, owner dependence,unionization, and market position.
 19. The system of claim 15, whereinthe logic engine further comprises machine-executable instructionsoperating to: generate a listing of potential fixes for a particularidentified business transaction risk, the particular identified businesstransaction risk selected by a user by way of the GUI, the listing ofpotential fixes based at least on the business transaction risk data andthe plurality of quantized user-provided answers.
 20. The system ofclaim 14, wherein the set of risk factors include at least two of thefollowing risk factors associated with: importance to deal value, costto fix, ability to fix, and risk to fix; and the tranches map to numericinteger values.